Divorce planning

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Divorce Planning is a systematic approach to planning for a divorce. While divorce is an unfortunate event, there isn't a lot of planning that has gone into it. Divorce itself is the dissolving of years of life and marriage together in a very short time. Other than hiring an attorney to negotiate the details of the divorce there is isn't much more planning that goes into it than that. Going through a divorce is a focus on the dissolving marriage and is very short sided while divorce planning looks at life not only now as your go through your divorce but years into the future to ensure that you are able to maintain your independence and financial freedom not only during the divorce but for years to come.

There are two pioneers in this field are Ryan S. Nickel in Sacramento, CA and Jonathan Klein in South Florida. The two of them, independent from each other, both began creating what now is termed "divorce planning" out of a need that they saw with their current mortgage clients. Nickel, the Credit and Divorce Planning Practice of Ryan S. Nickel and Klein, Certified Divorce Planning Professional Institute, approach their divorce plans in two distinct forms.

Nickel has developed a system entitled BRIDGE. His BRIDGE is to help his clients cross over from married life to single hood while protecting, planing and preserving their Budget, Retirement, Individual credit, Dependents, Gaps in life skills and Estate while Klein's approached is based on his CRADLE system.^[1] Klein's approach is to help his clients that are currently anxious about how they will continue to live during and after their divorce while protecting their CRADLE - Credit, Assets, Dependents, Life and Estate.

Though there are various ways to plan for a divorce, not doing so can be devastating financially.^[2] Nickel states that by not properly planning for a divorce and taking the necessary steps to protect your credit you are allowing yourself to be left open to spousal credit abuse. Most people think that the worst thing that can happen to them is a divorce, which is true, until they see what it has done to their credit. Damaged credit is the fastest way to increase your cost of living and lower the standard of living for not only yourself but everyone who lives within the household.

References

1. Klein, Jonathan 2008 CRADLE http://cdppi.com/Cradle.html

2. Nickel, Ryan http://www.creditanddivorce.net